i needed my home to assess at 370k in order to refinance my current mortgage. I have 25 years remaining on?

my loan at 4.875 %. i was hoping to refinance down to a 20 year at 4 %. my assessment came in below – around 335k. the balance on my loan is 295k.
do i have any other options for refinancing or am i stuck with my current loan? – not a terrible loan rate but was hoping to do better.
are there any federal options available or something to push the loan through or a similar loan like a 15 year? are those dependent on my income – my income is around 160k-180k so maybe it is too high to qualify? what are my options? i have perfect credit.

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